AAA Flood Insurance

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Workers pushing a boat in a flood zone surrounding a home covered by AAA Flood Insurance

Your home may be at risk—no matter where you live.

Flood insurance can reimburse you for damages, helping you fix your home, and repair or replace lost belongings.


Are floods covered by my homeowner’s insurance?

Most homeowners and renters insurance policies don’t cover flood damage. Without additional flood insurance coverage, you’ll need to pay out of your own pocket to repair or replace anything damaged in a flood.

What is the average cost of flood insurance?

The average flood insurance policy can cost approximately $700 per year, although the cost depends on where you live. Your monthly premium may be higher if you live close to high-risk flood zones. Your friendly AAA insurance agent can provide more information.

What is the National Flood Insurance Program (NFIP)?

Insurance companies offer flood insurance from the National Flood Insurance Program (NFIP), which is overseen by FEMA.

The availability, qualifications, and amounts of coverages, costs and discounts may vary from state to state and there may be coverages and discounts not listed here. In addition, other terms, conditions, and exclusions not described above may apply, and total savings may vary depending on the coverages purchased. For more information regarding your eligibility for certain coverages and savings opportunities, please contact your AAA agent.
All policies are subject to policy terms, underwriting, guidelines and applicable laws. Products and their features may not be available in all states. The provider of AAA Auto and Home Insurance is CSAA Insurance Group, a AAA Insurer. All policies are subject to policy terms, underwriting, guidelines and applicable laws.
Insurance products in Arizona are offered through AAA Arizona Inc., License #8301727 and Sunstate Insurance Agency, LLC, License #17203444. Insurance products in California are offered through AAA Northern California Insurance Agency, License #0175868, in Montana by AAA Montana, Inc., License #9756, in Nevada by AAA Nevada and in Utah by AAA Utah. The provider of AAA Auto and Home Insurance is CSAA Insurance Group, a AAA Insurer. Life insurance underwritten by AAA Life Insurance Company, Livonia, MI. AAA Life Insurance Company is licensed in all states except NY. CA Certificate of Authority #07861. Term Policy Form Series: ICC19-1801/1801.